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AMEX Premium Baggage Protection Claim Denied

About a month ago, due to a delayed flight, I missed a connecting flight to LAX and had to spend a night in Istanbul, Turkey. What was more disturbing is that my luggage made it to LAX that same day and I ended up taking a flight the following day. Knowing full well, that I have I have Premium Baggage Protection coverage from American Express I telephoned AmEx and was told to purchase necessary items and that I would be reimbursed up to $500.00. To my surprise, my claim for reimbursement for emergency supplies was denied, claiming that my transfer airport of Istanbul Turkey was not my final destination, therefore I have no coverage. I do not see that wording in the policy. I feel that AmEx did not treat me fairly in denying this claim. Any suggestions would be appreciated

As I understand it, the luggage coverage is when your LUGGAGE misses the flight to your destination and arrives more than x hours late, so there can be no late luggage claim here to Amex OR the airlines.